Credit Analyst

13 hours ago

Bengaluru Karnataka India, Karnataka Birla Pivot Full time

Conduct comprehensive credit analyses and assessments to evaluate borrower credit worthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts.


Roles & Responsibilities:


Credit Assessment

  • Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history.
  • Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms.

Financial Analysis

  • Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers.
  • Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter.

Documentation and Due Diligence

  • Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.
  • Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.

Documentation and Due Diligence

  • Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.
  • Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.

Communication and Reporting

  • Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders.
  • Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval.

Portfolio Monitoring

  • Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate.
  • Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms.


Skills & Experience

  • Bachelor’s degree in finance, Accounting, Economics, or related field required; master’s degree preferred.
  • Minimum of 3 years of experience in credit analysis, banking, or financial services industry.
  • Strong analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately.
  • Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation.
  • Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely.
  • Ability to work effectively in a team environment, collaborating with colleagues and stakeholders to achieve common goals.

  • Credit Analyst

    2 days ago

    Bengaluru, Karnataka, India NatWest Group Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Customer Service & Operations Credit Analyst (People with disability event) Join us as a Customer Service & Operations Credit AnalystWe'll look to you to deliver customer and business outcomes, investigating queries, supporting business processes, policies, and procedures, and understanding customer and business needs Specialising in Credit Operations,...

  • Credit Analyst

    1 week ago

    Bengaluru, Karnataka, India Invoyz Financial Solutions Pvt Ltd Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role:Credit Analyst/UnderwriterExperience: 3 - 8 YearsLocation: Bangalore (5 Days WFO)Must have:3+ years in assessing credit risk for Lending and supply-chain finance productsIf interested, kindly apply: About Role:TheCredit Analyst/Underwriterwill analyze the financial and transactional data to assess the creditworthiness of businesses and their channels....

  • Credit Analyst US

    6 days ago

    Bengaluru, Karnataka, India CareerZgraph Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Company DescriptionExp 4+ YearsHaving Experience of Checking Credit - Wothiness Of US ClientsUS Process Working Experience - Research & AnalysisKYC AML for US based EntitiesImmediate JoinerFinancial Background (PG UG)Role DescriptionThis is a full-time on-site role for a Credit Analyst US located in Bengaluru. The Credit Analyst will be responsible for...

  • Credit Analyst/Lead

    1 week ago

    Bengaluru, Karnataka, India Golden Opportunities Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Role performed by credit analyst:Review of credit applications & supporting documents (overall financial capacity and capability to pay back)Credit report (recommendation on whether to approve/decline the credit application)Present credit report to internal committee.Requisite of an Individual Contributor:Credit underwriting / Credit risk analysis; Quality...

  • Credit Operations Analyst

    1 week ago

    Bengaluru, Karnataka, India Bluevine Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    About BluevineBluevine is transforming small business banking with innovative solutions like checking, lending, and credit—all tailored to help entrepreneurs thrive. With best-in-class technology, advanced security, and a deep understanding of the small business community, we're empowering entrepreneurs to grow with confidence.Backed by leading investors...

  • Corporate Credit Analyst

    7 days ago

    Bengaluru, Karnataka, India Teamware Solutions Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    As a Corporate Credit Analyst Trainee at our location in Bagmane Solarium City, Bangalore, you will have the following responsibilities: - Prepare financial spreads and conduct financial analysis of corporate clients - Support credit paper preparation and annual/quarterly portfolio reviews - Identify key credit risks and propose mitigants - Recommend updated...

  • Credit Analyst CRE

    6 days ago

    Bengaluru, Karnataka, India Intellectual Capital Hr Consulting Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Sr Credit Analyst - Commercial Real EstateKey ResponsibilitiesCredit Evaluation: Conduct financial analysis, including cash flow assessments and risk profiling of borrowers in the CRE sector.Financial Due Diligence: Review balance sheets, P&L statements, and creditworthiness of potential borrowers.Portfolio Monitoring: Track loan performance, flag risks, and...

  • Credit Analyst

    6 days ago

    Bengaluru, Karnataka, India Standard Chartered Bank Full time ₹ 1,04,000 - ₹ 1,30,878 per year

    Job ID: 17332Location: Bangalore, INArea of interest: Financial MarketsJob type: Regular EmployeeWork style: Office WorkingOpening date: 23 May 2025Job SummaryCredit & Client Risk Management ("CCR") is an integral part of CIB. The CCR mandate is to deliver best in class credit analysis, monitoring and credit administration work to Stakeholder. The role is...

  • Senior credit analyst

    4 weeks ago

    Bengaluru, Karnataka, India Alphastream Full time

    Role Overview:As a Senior Credit Analyst, you will manage and grow a team of skilled credit analysts, ensuring high-quality, accurate data delivery. You will collaborate closely with cross-functional teams, including technology, product, and data science, to enhance our AI capabilities and streamline operational efficiency. This is a leadership role...

  • Credit Manager

    7 days ago

    Bengaluru, Karnataka, India Kotak Mahindra Bank Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Credit Manager-SUPPORT SERVICES-Credit KMBL - Corporate - Support Services-Credit Role: Credit Manager |Grade: M7/M8| Location: Mumbai Job roleHandling a team of credit analysts Prioritization of proposals in consultation with business team Guide the team of credit analysts to write better quality notes and effective monitoring Vetting of...